OAS clawback and deferral guide
When delaying OAS pays off, how the clawback works, and why deferring can cost you the GIS.
What the guide covers
- How the OAS recovery tax (clawback) is worked out
- When deferring OAS makes sense, and when it does not
- The GIS trap when you defer
- Worked examples with current figures
Figures will be checked against canada.ca on the day the guide is published.
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Please note
- These guides are general information. They are not legal or financial advice.
- OAS Guides is independent. We are not part of, or connected to, the Government of Canada or Service Canada.
- We cannot promise any result from an application, request for reconsideration or appeal.
- Benefit amounts and rules change. Each guide shows the date we last checked its figures.